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Atlanta-based bank serving Korean-American and other immigrant communities, with SBA and mortgage lending across several states.
Atlanta-based bank serving Korean-American and other immigrant communities, with SBA and mortgage lending across several states.
Earns mostly from the spread between loan interest and deposit costs, with extra income from selling the government-guaranteed part of SBA loans (small-business loans backed by the US Small Business Administration) to investors. Its branches and borrowers cluster in Korean-American and other Asian-American business communities in several metro areas.
Moat: narrow (brand, distribution). Deep trust and multi-state branch presence within Korean-American business communities.
Headquarters: Doraville, Georgia, US · Founded: 2006 · Employees: 317
Size MetroCity Bankshares (MCBS) is a United States Financials company (Regional Banks) with a market value of $1.04B, the 2224th largest of 3,117 United States companies the cockpit tracks. Shares closed at $36.05 on 6 Nov 2026.
Performance Over six months the shares gained 10.2%, against +7.6% for the median peer and -1.1% for the United States market (cap-weighted) — 7th highest of 20 in its peer set.
Growth Revenue grew 24.6% over the last twelve months (peer median +8.8%); the operating margin is 61.2% (peer median 35.6%).
Valuation It trades at 1.78× book value against a peer median of 1.17× (most expensive of 21).
Price implies The share price implies a return on equity of about 12.2%; MetroCity Bankshares delivers 16.9%, so the price asks less than the business earns today.
Short interest Short interest is 3.0% of the free float (15 Oct 2026).
Next results Next results expected around 25 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $296M | $246M | $236M | $211M | $166M |
| Revenue growth | — | +4% | +12% | +27% | — |
| Net income | $87.1M | $68.5M | $64.5M | $51.6M | $62.6M |
| Free cash flow | n/a | $37.0M | $59.3M | $73.9M | $33.3M |
| Capital expenditure | n/a | $674,000 | $1.29M | $4.93M | $10.4M |
| Total debt | $388M | $525M | $383M | $334M | $384M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| MetroCity Bankshares MCBS | $1.04B | +10% | +25% | 17% | 1.78× | 12.2% |
| Cathay General Bancorp CATY | $4.24B | +12% | +3% | 12% | 1.39× | 11.8% |
| Preferred Bank PFBC | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% |
| Hanmi Financial HAFC | $964M | +8% | +3% | 11% | 1.19× | 9.4% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | MCBS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.0% | +3.1% | 10th highest of 21 |
| 6-month return | +10.2% | +7.6% | 7th highest of 20 |
| Return on equity | 16.9% | 10.8% | 2nd highest of 21 |
| Price / book | 1.78× | 1.17× | most expensive of 21 |
| Trailing P/E | 11.8× | 11.5× | 10th most expensive of 21 |
| ROE the price implies | 12.2% | 9.0% | 2nd most demanding of 21 |
| ROE delivered | 16.9% | 10.2% | 2nd highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| MetroCity Bankshares MCBS | United States | $1.04B | +10% | +25% | 17% | 1.78× | 12.2% | 16.9% |
| Business First Bancshares BFST | United States | $1.04B | +16% | +7% | 10% | 1.02× | 8.6% | 10.1% |
| Forbright FRBT | United States | $1.04B | n/a | +11% | 11% | 1.01× | 6.4% | n/a |
| Eagle Bancorp EGBN | United States | $1.03B | +28% | -11% | 5% | 0.89× | 9.0% | 4.7% |
| Mercantile Bank MBWM | United States | $1.05B | +16% | +5% | 14% | 1.41× | 11.5% | 13.6% |
| Bank of Jiujiang 6190.HK | Hong Kong | $1.06B | +55% | -2% | 1% | 0.20× | 3.5% | 1.5% |
| CNB Financial CCNE | United States | $1.06B | +15% | +26% | 13% | 1.24× | 9.0% | 13.2% |
| Southside Bancshares SBSI | United States | $1.01B | +2% | +9% | 12% | 1.54× | 10.1% | 11.8% |
| Horizon Bancorp HBNC | United States | $1.07B | +13% | +424% | 16% | 1.52× | 12.0% | 15.7% |
| Equity Bancshares EQBK | United States | $1.00B | +7% | +53% | 12% | 1.23× | 10.4% | 12.1% |
| San ju San Financial 7322.T | Japan | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% | 5.4% |
| Northeast Bank NBN | United States | $1.08B | +1% | +9% | 20% | 1.72× | 11.8% | 20.0% |
| Five Star Bancorp FSBC | United States | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% | 14.8% |
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |
| Central Pacific Financial CPF | United States | $974M | +10% | +4% | 15% | 1.68× | 13.2% | 14.9% |
| Hanmi Financial HAFC | United States | $964M | +8% | +3% | 11% | 1.19× | 9.4% | 11.4% |
| Aktia Bank AKTIA.HE | Finland | $963M | +3% | +1% | 2% | 1.32× | 7.6% | 1.8% |
| First Bank of Toyama 7184.T | Japan | $1.12B | +10% | +14% | 10% | 0.90× | 7.9% | 10.2% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |